The interest amount on an employee's EPF (Employees' Provident Fund) account is credited on March 31 at the end of every financial year. According to reports from Mint, EPFO members currently receive annual interest at the rate of 8.25% for FY 2025-26 on their accumulated EPF balance. However, it is important to note that no interest is paid under the EPS (Employees' Pension Scheme) component.
Under the EPF structure, an employee contributes 12% of the basic salary and dearness allowance every month, subject to the wage ceiling of ₹15,000. As reported by Mint, out of the employer's contribution, 3.67% is deposited into the EPF account, while the remaining 8.33% goes into the employee's EPS account. The annual EPF interest rate is decided by the Central Board of Trustees after discussions with the Union Finance Ministry.
EPFO members can easily download their EPF passbook online and verify all account transactions. According to Mint, the interest credited to the EPF account generally appears after the March contribution entry. Members can follow these steps to check their EPF balance online: visit the EPFO Passbook portal, login using their UAN and password, choose their Member ID to access the passbook, and look for the entry named 'Int. Updated up to 31/03/2026' in the passbook.
EPFO subscribers can also check their EPF balance and credited interest using the Umang mobile application. As reported by Mint, before using this facility, members must ensure that their mobile number is registered on the Member e-Sewa portal. The process involves opening the Umang app, selecting EPFO from Government Services, choosing 'Employee Centric Services', selecting 'View Passbook', entering UAN and OTP, and accessing the EPF passbook to check the credited interest amount.
